Legal Rights Regarding Toxic Mold Exposure

Toxic mold has become a huge problem for modern day society. More people are allergic to mold and are having more health problems due to toxic mold exposure than in the past. People who live in a home that has toxic mold in it will need to move until the mold is cleaned out in order to protect their health. Employees may be exposed to toxic mold in an office. Children and teachers can be exposed to mold in school rooms, etc. We all have legal rights regarding toxic mold exposure.


Types of Mold
There are different types of mold. However, there are two types that are really dangerous to humans, which are Stachybotrys and Memnoiella. Stachybotrys is the black mold that you hear about. It looks like a greenish black fungus and this type of mold is associated with toxic mold syndrome. Black mold multiplies and spreads out in splotches over damp areas on wallpaper, cardboard, or damp carpet. People often see it as dark spots growing on the wall or on their ceiling. The other kind of mold, Memnoniella, is closely related. This mold resembles Stachybotrys only smaller. Being smaller, it can infect nasal passages more readily. Instead of black blotches on the wall or ceiling, it looks like black spots or dots.

Toxic Mold Dangers
Toxic mold presents a danger to one’s health. People who are allergic to it or exposed to high concentrations of it can develop skin rashes, respiratory problems associated with lung diseases, brain damage, memory loss, headaches and infant death. Children can develop bleeding in the lungs because of toxic mold exposure and breathing in black mold spores from contaminated air in the home.

What to Do if Your Home has Toxic Mold
When toxic mold is discovered it is important to remedy the situation immediately. In fact, the homeowner or landlord is legally required to rid the home of mold. There are companies that can remove the mold and put in new wall boards, ceilings, carpeting, etc. Home owner’s insurance usually covers the fees for inspection. Having your home inspected for toxic mold can cost an average of $1500.

Renters can file a lawsuit if their landlord does not remedy the problem with mold. Also, if you have recently purchased a home and discovered it is contaminated with toxic mold you can bring a lawsuit against the previous owner in some cases. Most insurance companies have a “no action” clause which means you only have a certain amount of time to take legal action. Every state has its own statute of limitations for toxic mold exposure lawsuits. It is crucial to hire an experienced personal injury lawyer if you have become sick due to toxic mold exposure. Your lawyer can help to bring about an agreement with your insurance company for damages they are liable for. Homeowners and renters can schedule an initial consultation to talk to a lawyer about toxic mold exposure and their rights to compensation.

Driving Safely in Construction Zones

In the US, we are lucky to live in a country that takes care of its road network. However, this also means that roads will require constant maintenance. This means that you are almost guaranteed to come upon a construction zone at some point in your life. Although fatalities are quite low in construction zones, over 80% of all fatalities in construction zones are of the driver or passenger. This can be avoided with a few safety tips.

  • Be Attentive to the Signs

There are a number of different signs used in construction zones. If you are not fully conversant with them, make the internet your friend. Pay close attention to what the sign actually says. Sometimes, it might indicate you are headed for a manhole or the road is too slippery. Ensure that you correctly interpret each sign.

  • Slow Down

No matter how of a hurry you are in, drive at the slowest speed possible. Events at a construction site are always changing. For instance, a truck full of sand or ballast may accidentally spill its contents. If you are moving too fast, you will have a hard time controlling the vehicle. Driving slowly assists you to read the signs and process instructions from those at the construction zone.   When within the construction zone do not increase your speed until you are told to do so. Wait until you see the sign that says you are clear. The signs are placed there after many years of research and experience. It could also lead to some huge fines if you ignore these signs.

  • Avoid Tailgating

This is something that should be avoided both at the construction site and away from it. Keep a healthy distance between yourself and other motorists. Ideally, keep the distance, at least, twenty meters if there is no congestion. The closer you get to a car in front of you, the higher your chances of an accident. If someone tailgates you, do not slam on your brakes to warn them. Simply pull over to the side and let them pass. You will be saving yourself the trouble of a possible accident.

  • Calm Down

The slow traffic at construction sites can lead to flare ups. However, do not try to unload your stress on others. This could to serious incidents of road rage. Try and keep relaxed as much as possible. For instance, you could listen to some relaxing music to help keep you focused. Remember that the roads are being maintained for your benefit.

  • Be Ready For Anything

Anything can happen; a construction worker could suddenly jump in front of your vehicle. In addition, huge concrete pipes could suddenly start rolling your way. The earlier you spot any odd incidents the higher your chances of survival. Avoid using your cell phone or cracking lengthy jokes with others in the car. This could lead to the loss of concentration. In addition, make sure your radio is turned on low so that you can hear any instructions from the workers.  The road construction sites are a hazard zone. Failure to follow instructions usually leads to hefty fines. It might also create complications with the premiums you pay to the insurance company.  If you or a loved one is involved in a car accident near a construction zone, contact the best personal injury lawyer near you to help you protect your rights.

What is Uninsured Motorist Coverage ?

The uninsured motorist coverage is a unique feature of American insurance companies. For a certain premium, a driver can receive compensation if he or she is involved in an accident. In such a case, the driver of the other car may not have insurance. As such, he or she will not be able to pay for the damages. The insurance company steps in and pays the difference.

Who Is an Uninsured Person?

For legal purposes, an uninsured person is one who does not have any coverage for the vehicle they are driving. In such a case, the person has no financial means to pay for the damages. In most states, it is illegal for you to operate a vehicle without any insurance. However, it still does happen sometimes. Thus, it is better to be on the safe side of and have.  An uninsured person is also a person who flees an accident scene. This is illegal in most states but it still does happen. For instance, someone may have stolen the car and they do not wish to be caught. Because of insufficient information to identify the person, he or she is considered uninsured.  Any vehicle that has been stolen in considered uninsured. That means from the period the owner reports to the time it is recovered, the car remains uninsured. The owner of the vehicle cannot be held liable for any accidents that the vehicle is involved in.

Uninsured Motorist Bodily Cover

In some cases after an accident, you may be badly injured. In such an instance, you have to get medical treatment. In such a case, you insurance company will pay for lost wages, medical treatments and the suffering and pain of being in an accident. However, proving pain and suffering can be a bit challenging. This is why it is essential that one maintains good hospital records.

Uninsured Motorist Property Damage

Such an instance applies when the other party does not have any type of coverage. It may also be that they have insufficient coverage. In such a case, your insurance company will try to recover the other party’s assets to cover for the costs. However, most people without insurance also have recoverable assets. As a result, the insurance company pays for everything.   Under this arrangement, your property is insured from damage. For instance, your cell phone, your house and fence are covered. In the case of any repairs, the insurance is responsible for conducting all the maintenance.


In case a motorist runs away without leaving details, the law requires that you file a lawsuit against the John Doe. In such an instance, winning the case is usually very easy. Insurance companies will also require that you sue the party responsible for the accident. In some instances, it is a requirement that you win the case against the defendant. In some cases, a person can increase the amount they get from the insurance company. This is through a phenomenon known as policy stacking. You simply stack all your insurance policies into one and get payment.


Medical Malpractice FAQ’s

In the cause of getting treatment, one may feel that they were not treated fairly. In such an instance, one can seek legal recourse and get compensation for a breach of the trust placed in the doctor. Being wronged in the course of seeking treatment is known as medical malpractice. Getting a favorable ruling can be tricky in these cases. In an operation, for instance, there is no guarantee one will make it. One needs to know all the fact to understand if their legal suit stands a chance.

What Should You Do If You Feel You Have a Malpractice Claim?

One thing you should avoid doing is being confrontational with the doctor or other staff. Contact a lawyer and ask them what you need to validate your claim. The lawyer will request you to give details of your first encounter with the doctor to the last one. Do not omit anything you said or he or she said, no matter how insignificant it seems to you. In addition, make sure to report to the lawyer as early as possible. There are limits to when a malpractice claim can be made.

What is A Certificate of Merit?

This is a common requirement in most states and it should not be something to worry you. It simply means you have to visit another physician for a second opinion. In such a case, the physician will have to certify that in fact treatment was not done properly. If you provide all the details and you genuinely believe you were wronged, this certificate will be easy to obtain.

What if I am Unsure If My Claim is Valid?

This is actually a very common phenomenon when filing a claim against a medical practitioner. Sometimes you may only learn of it after developing complications later on. However, a malpractice claims lawyer can assist you in this process. He or she will carefully assess your claim and give you the best legal advice possible.

What happens if I do Not Want to be dragged through a Court process?

ADR or Alternative Dispute Resolution is first gaining popularity. In this case, you may opt for a mediation process. This will entail both parties meeting at a conference and agreeing what should be paid out. The findings of an ADR are legally binding on both parties. The other alternative is appointing an arbitrator. This party is neutral and only deals with the facts. He or she acts as jury and judge. He or she assigns penalties and dismisses cases if necessary. The findings of an arbitration process are also legally binding.

How Long Will a Medical Malpractice Case Take?

Such a case is long and requires the establishment of all the necessary facts. The process will entail listening to testimony from medical practitioners and going through the records. It is rare for such a case to go below six months. The shortest time one can expect the case to be solved is two months.

When making a medical malpractice claim, information is important in winning the case. Make sure you have all the details and medical records with you. Take time to note down everything while it is fresh in your mind.

Common Factors Leading To Road Rage

Road rage is a common phenomenon that occurs on the highways. It is defined as aggressive driving, which may have serious consequences for the driver. There is no one who is predisposed to it; road rage can affect anyone. Besides the risk of injury, it could also lead to expensive lawsuits. As a result, identifying the common causes of road rage can help one avoid it next time.

Gridlock Traffic

For some reason, most road rage tends to occur in heavy traffic or construction zones. Some drivers become irrational and start hurling insults at others. Whenever you are in gridlock traffic, remember that it is not the other driver’s fault. Everyone is in the same situation and it would be a good idea to calm down. Try some breathing exercises when you feel that someone has wronged you in some way. In connection to this, the frustration you are experiencing from being delayed should not be dumped on other people.

Slow Drivers

This is one of the most common causes of flare-ups on roads. A slow driver is someone who is driving, at least, 20mph below the speed limit. This can be irritating and some people usually result to honking at the slow driver. If this happens, try to overtake him or her and leave them be. If you start hurling insults at them, you will not be able to concentrate on the road. You could smash into oncoming traffic, which can be quite disastrous.


This is another common cause of road rage. When people come from different regions of the world, they may have some differences. These differences can lead to road rage, especially if the parties have a problem in communication. If one is new in a country, it is best to try to learn the norms as fast as possible. This can help one to avoid unnecessary incidents. In addition, if one is driving through an area where there is a huge population of new immigrants, it best to be sympathetic. Try to understand their situation and ugly incidents will be averted.  Tourists also fall into this category. Although they are not there permanently, they still make a significant contribution to road rage. As a tourist, one should endeavor to look for a taxi or other service to drive them around town. Otherwise, simple mistakes could be seen as very offensive to the locals.  On the other hand, if you are driving through an area with many tourists such as resorts, be very understanding. Do not engage them in unnecessary verbal exchanges; forgive them because they may not be fully conversant with the laws. If you think they are a danger, report them to the police.

Leave Your Rage Before Entering a Vehicle

Another reason many people drive angrily is that they are simply having an awful day. For instance, you could have just been laid off and you do not know what to do. If this happens, you do not have to take your anger out on other drivers. Recognize the fact that everyone has his or her own issues to deal with. Besides, being arrested will only make your bad day worse.